BUYING PRESENTATION
AN ELITE PLAN TO OWN
Guiding growing families into their next season of home.
918.809.4426
www.keinaphillips.com
@keinaphillipsrealtor
kphillips@cctulsa.com
13512 E 116th St N Owasso
With over a decade of experience serving the Greater Tulsa area, I’ve had the privilege of guiding clients through one of life’s biggest decisions — buying a home.
My role isn’t to pressure. It’s to guide.
I help growing families and long-time homeowners navigate their next move with clarity and confidence. Whether you’re purchasing your first home, making a move for more space, or exploring new construction, you can expect thoughtful conversations, steady communication, and a process that feels manageable from start to finish.
As a Broker-Associate with Chinowth & Cohen Realtors, I provide a steady, informed approach to buying, selling, and building — helping you make decisions that align with your goals, not just the moment.
Fluent in both English and Spanish, I offer clear communication and support every step of the way.
My goal is simple:
To help you make informed decisions — without pressure, and without uncertainty. I’m here when you’re ready .
— Keina
ADVANTAGES OF USING A REALTOR®
Congratulations on your decision to buy a home. It’s an exciting step — and at times, it can feel like a lot to navigate.
That’s where having the right guidance matters. Here are some of the ways a REALTOR® helps you move forward with clarity and confidence.
WHY WORK WITH A REALTOR®
Buying a home is more than finding the right house — it’s navigating a process with a lot of moving parts.
My role is to guide you through it with clarity, strategy, and steady support from start to finish.
MORE CLARITY IN YOUR SEARCH
You’ll have access to homes through the MLS, along with insight into upcoming listings and opportunities you might not find on your own.
But more importantly — I help you filter what actually fits your lifestyle, not just what shows up online.
GUIDANCE WHEN THINGS GET COMPLICATED
Not every transaction is straightforward. Inspections, financing, timelines, and negotiations can all shift quickly. I help you navigate those moments with a clear plan — so nothing feels overwhelming or uncertain.
SUPPORT IN NEW CONSTRUCTION
Builder reps represent the builder. I represent you.
From understanding contracts to helping you evaluate upgrades, timelines, and resale value — I’m there to make sure your decisions are informed and aligned with your goals.
CONFIDENT NEGOTIATION
Whether it’s price, repairs, or terms, I help you approach negotiations strategically — not emotionally — so you can move forward with confidence.
PROTECTION THROUGHOUT THE PROCESS
Real estate contracts, timelines, and disclosures matter. I help ensure everything is handled properly, reducing risk and helping you avoid costly mistakes.
HANDLING THE DETAILS
From writing the offer to coordinating inspections, deadlines, and closing — I manage the moving pieces so you can stay focused on the big picture: your next home.
A STEADY GUIDE FROM START TO FINISH
You don’t have to figure this out alone. You’ll have someone to ask questions, talk through decisions, and help you move forward with clarity every step of the way.
Buyer Services
WHY IT MATTERS — AND WHAT IT LOOKS LIKE TO WORK TOGETHER
GUIDANCE YOU CAN TRUST
Buying a home is one of the biggest decisions you’ll make. My role isn’t to pressure you — it’s to guide you with clarity, honest insight, and a steady approach so you can move forward with confidence.
MORE ACCESS. BETTER OPPORTUNITIES.
You’ll have access to more than just what’s online.
• Coming Soon properties
• Brokerage / “firm exclusive” listings
• Homes shared privately before going active No missed opportunities.
PROBLEM-SOLVING & PROTECTION
Not every transaction is smooth — and that’s where experience matters. I help navigate inspections, negotiations, and unexpected challenges — working to protect your best interests and keep your deal together.
WHAT TO EXPECT A CLEAR, INFORMED SEARCH
A personalized MLS search with accurate, real-time data — helping you focus on homes that truly fit.
GUIDED SHOWINGS & EVALUATION
We don’t just tour homes — we evaluate them. You’ll understand value, condition, and how each home compares before making a decision.
OFFER STRATEGY & NEGOTIATION
I help you build a strong, informed offer — not just on price, but on terms, timing, and positioning.
Inspections, Insurance & Appraisal
10 days to perform any and all inspections. Kharí will walk you through scheduling and be present with you at inspections.
T.R.R.
7 days to negotiate TRR formal repair request & round 2 of negotiations
Ear nest Check Deposited
Repairs Completed
Re-inspection of agreed upon repairs
Costs to Plan For Upfront
EARNEST MONEY
Earnest money is submitted with your offer to show the seller you’re serious about moving forward. It is held in escrow and applied toward your purchase at closing. A typical earnest money amount is around 1% of the purchase price, with a general minimum of $1,500, depending on the home and market conditions.
INSPECTION COSTS
Once under contract, you’ll have the opportunity to complete inspections to better understand the condition of the home. You’re free to choose any licensed inspector, or I can connect you with trusted professionals and help coordinate scheduling. Inspections typically take place within the first 7–10 days of the contract period. General home inspections typically start in the $400s, with additional inspections (pool, septic, etc.) adding to the overall cost depending on the home.
APPRAISAL COST
If you’re financing your home, your lender will order an appraisal to confirm the home’s value. This is required before final loan approval. Appraisals typically start in the upper $500s and can vary depending on the property.
INSPECTION PERIOD
Under Contact: What happens Next?
Once you’re under contract, your inspection period begins. I’ll help coordinate inspections around your schedule so the process feels manageable. It’s important to remember — most homes will have some level of wear and tear. The goal isn’t perfection, but understanding the condition of the home. Together, we’ll review the findings and decide what’s reasonable to address, what you’re comfortable handling, and what (if anything) to request from the seller.
During this time, your lender will also be working on finalizing your loan, including locking your rate and ordering the appraisal.
REPAIR NEGOTIATIONS
After inspections, you’ll have a set timeframe to submit any repair requests in writing. The seller can respond in one of three ways:
• Agree to complete the requested repairs
• Offer an alternative solution or partial agreement
• Decline the requests I’ll guide you through your options so you can make a confident, informed decision on how to move forward.
RE-INSPECTION (IF NEEDED)
If repairs are completed, a follow-up inspection may be recommended to verify the work. This can be done by your inspector (for a fee) or, in some cases, may be required by your lender or appraiser.
CLOSING DAY
As we approach closing, your lender will provide the final amount needed. Funds are typically wired to the title company — and we’ll always double-check instructions together to keep everything secure. You’ll sign the final documents, and once funding is complete… you’re officially a homeowner.
A QUICK NOTE WHILE YOU’RE SEARCHING
Feel free to visit open houses and explore options — it’s a great way to learn what you like. Just be sure to let the agent know you’re already working with a REALTOR®, and include my name when signing in.
Closing Costs: What to expect next?
Closing costs are the fees associated with completing a real estate transaction and transferring ownership of the property from the seller to the buyer.
Buyer closing costs typically range from 3%–6% of the purchase price, depending on the type of loan, lender requirements, and transaction details.
COMMON CLOSING COSTS MAY INCLUDE:
• Credit report fee
• Loan origination or lender processing fees
• Discount points, if used to buy down the interest rate
• Appraisal fee
• Survey fee, if required
• Title search fees
• Title insurance
• Escrow prepaids for property taxes, homeowners insurance, and mortgage insurance, if applicable
• HOA prorations, if applicable
• Recording fees paid to the county
• Real estate professional compensation (if applicable and agreed upon in your contract)
Lenders are required by law to provide you with a Loan Estimate early in the process, which outlines the projected costs associated with your loan.
At least three business days before closing, you will receive a Closing Disclosure, which details the final terms of your loan and the exact amount needed to close. Reviewing and signing this disclosure promptly is important to help avoid delays.
IMPORTANT TO KNOW
Closing costs are separate from your down payment, and buyers should be aware that closing costs — including, in some cases, real estate professional compensation — can often be negotiated to be paid in part or in full by the seller during the initial offer negotiations.
This is something to discuss upfront, not at the beginning of the transaction when writing your offer — not at the end when final numbers are issued.
How Real CompensationEstateWorks
Recent industry changes have made it more important than ever for buyers to understand how real estate professionals are compensated.
Real estate commissions are not set by law and are always negotiable. Compensation is agreed upon in advance and clearly outlined in writing.
In many transactions, the seller may offer compensation to the buyer’s agent as part of the listing agreement. However, this is not guaranteed, and the structure can vary from one home to another.
WHAT THIS MEANS FOR YOU AS A BUYER:
• You will always know how your agent is being compensated upfront
• Compensation can be negotiated as part of your offer
• In some cases, a seller may cover all or part of the buyer’s agent compensation
• If not offered by the seller, we will discuss options so there are no surprises
My role is to walk you through this clearly so you can make informed decisions before writing an offer.
Buyer Broker Agreement
BEFORE WE BEGIN TOURING HOMES OR WRITING OFFERS, WE’LL REVIEW AND SIGN A BUYER BROKER AGREEMENT.
This agreement simply outlines:
• Our commitment to working together
• The level of service and representation you can expect
• How compensation is structured and handled This step ensures:
• You have full representation and advocacy throughout the process
• Expectations are clear on both sides
• We can move quickly and confidently when the right home comes up
THERE IS NO PRESSURE—THIS IS ABOUT CREATING CLARITY AND PROTECTING YOUR INTERESTS FROM THE VERY BEGINNING.
Inspection 101
1. EMP (Electrical, Mechanical, Plumbing)
2. Roof
3. Structural
4. Drainage
5. Termite & Wood Rot
6. Additional Inspections (i.e. Spetic, Pool & Spa, Crawl Space)
Be sure to inform me if you want any of these additional inspections preformed since they are an additional cost and may even require different inspectors to be scheduled. It is also important to note that the inspection only covers the main dwelling, therefore shops, detached garages, pool house, and other structures are not included unless specifically requested and an additional fee will likely be applied.
ARE ALL INSPECTIONS THE SAME?
No! Picking an experienced and thorough inspector is crucial. It’s also important to note that ONLY structural engineers can make structural recommendations. Beware of general home inspectors claiming to do structural inspections. In the state of Oklahoma they are not licensed to suggest remedies and will typically refer you to an engineer if there is something of concern which might end up costing you more in the long run.
Talk with me about trusted partners to help service your home inspections needs.
Home Warranties
WHAT IS A HOME WARRANTY?
A service contract that covers the repair or replacement of important home system components and appliances that break down over time. That means whether it’s you’re A/C unit burning up in the summer, your heater failing in the winter or any number of other covered systems and appliances calling it quits, you and your family will have one less thing to worry about.
WHY IS A WARRANTY RECOMMENDED?
Breakdowns are inevitable—home system components and appliances simply wear out over time. Unlike most homeowners insurance, a home warranty plan protects your budget by covering an unexpected repair or replacement of crucial items when they stop working due to normal wear and tear, saving you money in the long run. Think of it like this…
HOMEOWNERS INSURANCE COVERS THINGS THAT MIGHT HAPPEN
Fire damage, Hail and Wind damage. Theft & Vandalism
HOME WARRANTY COVERS THINGS THAT WILL HAPPEN
Breakdowns of HVAC systems, Water Heater, Oven, Dishwasher, Plumbing & More
WITHOUT A HOME WARRANTY
Repair or replacement of key home systems and appliances can be expensive. Talk with me about the average cost of a home warranty and strategies for including one in the contract so that you’re protected from unexpected problems in your first year of home ownership.
Allegiance Title is a proven valuable partner for real estate agents, buyers and sellers. As excellent communicators, we improve the closing process by understand ing and serving the individual needs of each party involved. Always going above and beyond to effectively communicat e the processes and forms in ways each party can confidently understand.
Accurate with financial matters , Allegiance Title instills confidence in our clients, while also providing a fast and smooth escrow process. All while keeping Data and computer system security as one of our top priorities.
With over 30 years’ experience, the Owners and unrivaled real estate attorneys , Curt & Lindsay Hendrix, are always available to assist our closing team and our clients with enthusiasm and professionalism.
When you partner with Allegiance Title, here’s what you can expect:
• Excellent Communication
• Due Diligence
• Efficient Escrow Process
• Data and Computer Systems Security
• Real Estate Attorneys are readily accessible to agents and clients by text, call or email.
• Exceptional Client Closing Experience
Testimonials
KEINA MADE BUYING OUR FIRST HOME A STRESS-FREE EXPERIENCE. SHE WAS AVAILABLE DAY OR NIGHT TO ANSWER ANY QUESTIONS WE HAD. SHE KEPT US IN THE LOOP WITH EVERYTHING THAT WAS GOING ON & MADE SURE WE UNDERSTOOD EACH PROCESS. WE WOULDN’T BUY A HOME FROM ANYONE ELSE!
-JOE & HANNAH CARLTON OF OWASSO
I CAN SAY WITH CERTAINTY THAT KEINA IS A PHENOMENAL REAL ESTATE PROFESSIONAL. I CAME TO HER WITH UNREALISTIC GOALS AND SHE EMBRACED THE CHALLENGE WITH A SMILE. THERE WERE MANY TIMES WHEN I FELT THAT THE SALE OF MY HOME WAS HOPELESS AND WE WOULD BE STUCK SPENDING THOUSANDS OF DOLLARS ON RENOVATIONS BEFORE SOMEONE WOULD BUY IT. KEINA OFFERED ENCOURAGING WORDS, ADVERTISED OUR HOME IN AS MANY PLACES AS POSSIBLE AND REACHED OUT TO HER ENDLESS LIST OF RESOURCES. HER EFFORTS RESULTED IN FINDING US THE PERFECT BUYERS. SHE IS GRACEFULLY HONEST, SHE CARES, SHE FIGHTS FOR HER CLIENTS, AND WITHOUT HER I WOULD HAVE GIVEN UP ON THE SALE OF MY HOME. TODAY, I AM IN MY DREAM HOME BECAUSE OF HER. KEINA HAS, WITHOUT A DOUBT, MADE AN IMMEASURABLE IMPACT ON MY LIFE. I AM A FOREVER CLIENT.
-JENNIFER & NICK BYRNE OF OWASSO
KEINA IS A FANTASTIC REALTOR. SHE STOOD BY US THROUGH THE UPS AND DOWNS OF BUYING OUR HOME, AND WE FRANKLY COULDN’T HAVE DONE IT WITHOUT HER.
-JEFF SCOTT OF OWASSO
Notes
Notes
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